Credit Portfolio Reviewer

BDO Unibank, Inc.; Makati; On-site; PHP 600,000 - 900,000; Full time

Job summary

BDO Unibank, Inc. is seeking a risk-oriented professional to conduct post-approval reviews of corporate and commercial loan accounts. The role focuses on assessing portfolio quality, validating risk ratings, and ensuring compliance with approved terms to maintain a healthy loan portfolio.

The successful candidate will verify data for credit review sheets, monitor portfolio reviews, and prepare the credit portfolio review report after each engagement. On-site work in Makati/Ortigas is required.

Qualifications

• Bachelor's degree in Business Administration or related field.
• 5+ years experience in credit origination or account management.
• Willing to work on-site in Makati/Ortigas.

Responsibilities

• Assess portfolio quality of borrowers via classification of accounts based on internal guidelines.
• Validate the risk rating/credit scores by Account Officers and report discrepancies for correction.
• Ensure that data and information for clearing, report preparation are encoded/presented in the Credit Review Sheet of each account.
• Monitor assignment in actual portfolio review of a lending unit including ensuring all credit folders and documents are available.
• Prepare the Credit Portfolio Review Report after every review engagement.
• Perform other duties as may be assigned from time to time.

Skills

Credit origination

Account management

Remedial management

Corporate/Commercial loans

Education

Bachelor's degree in Business Administration

BS Accountancy

BS Financial Management

BS Banking & Finance

Job description

Job Description:

AboutBDO

BDOUnibank,Inc.isthePhilippines’leadingfull-servicebank,offeringawiderangeoffinancialanddigitalbankingservices.Guidedbyourbrandpromise“WeFindWays,”wearecommittedtodeliveringeasy,reliable,andcustomer-focusedservices.Buildyourcareerwithatrustedindustryleader.

JobSummary

Responsible for conducting post-approval reviews of corporate and commercial loan accounts to assess portfolio quality, validate risk ratings, ensure compliance with approved credit terms, and identify potential credit risks. The role supports management in maintaining a healthy loan portfolio through timely risk assessment and reporting.

KeyResponsibilities

• Assesstheportfolioqualityoftheborrowersviaclassificationofaccountsbasedoninternalguidelines.
• Validatestheriskrating/creditscorecardsperformedbyAccountOfficersduringportfolioreviewsandthereportdiscrepanciesand/orerrorsinrating,ifany,foreventualcorrection.
• Ensuresthatalldata,informationrequiredforclearing,reportpreparationareencoded/presentedintheCreditReviewSheetofeachaccount.
• Monitorsassignmentinactualportfolioreviewofalendingunitwhichincludesensuringallcreditfolders,otherloanrelateddocumentsareavailable.
• PreparestheCreditPortfolioReviewReportaftereveryreviewengagement.
• Performsotherdutiesthatmaybeassignedfromtimetotime.

Qualifications

• BachelorsdegreeinBusinessAdministration,BSAccountancy,BSFinancialManagement,BSBanking&Financeorrelatedfield.
• Atleastfive(5)yearsofexperienceincreditorigination,accountmanagement,and/orremedialmanagement,preferablyinvolvingcorporateandcommercialloanaccounts.
• MustbewillingtoworkonsiteandbeassignedinMakati/Ortigas.

BDO Unibank, Inc. provides equal opportunity to all qualified candidates. Hiring decisions are based on job requirements and candidate qualifications, and shall not be influenced by any consideration of race, color, religion, sex (including sexual orientation and gender identity), national or ethnic origin, and disability. Requisition ID: 30328